The Fintech Index
183 companies rated 5 sectors 38 reports Last updated Nov 13, 2026
BNK

Top-rated business banking and treasury companies, 2026

All 35 business banking and treasury companies we rate, by our rating out of 100. Ties share a rank and appear in A-Z order.

35 companiesLast updated Nov 11, 2026How we rateSector page

Rating80 and up75 to 7970 to 74under 70
Criteria85+80s75 to 7970 to 7465 to 69under 65
  1. 1

    BILL

    PaymentsFor businessesHolds client moneyPublic company
    84/100
    8886868886768476

    Built for: US small and midsize businesses and accounting firms that want bill pay, invoicing, cards, and expenses in one system.

  2. 1

    Mercury

    For businessesHolds client money
    84/100
    8884848286848678

    Built for: US startups and small businesses that want free online banking, cards, bill pay, and treasury in one account.

  3. 1

    Revolut

    For businessesCard issuerHolds client money
    84/100
    9286808692749074

    Built for: Companies that pay and get paid in several currencies and want accounts, cards, FX, and expenses in one app.

  4. 4

    Soldo

    For businessesCard issuerHolds client money
    82/100
    8088848282788678

    Built for: Incorporated European companies that want employee cards and spend controls beside their existing business bank account.

  5. 4

    Starling Bank

    For businessesFor consumersHolds client money
    82/100
    8872867884809272

    Built for: UK sole traders and limited companies that want a free business account with invoicing and tax tools from a licensed bank.

  6. 6

    Payhawk

    For businessesPayments
    81/100
    8088848388807270

    Built for: Mid-market and enterprise finance teams that want cards, bills, procurement, and travel in one platform.

  7. 7

    ANNA Money

    For businessesCard issuerHolds client money
    80/100
    7876887480829078

    Built for: UK micro-businesses and freelancers that want cheap or free entry pricing and built-in tax admin.

  8. 7

    Relay

    For businessesHolds client moneyPayments
    80/100
    8482807876847880

    Built for: US small businesses that want multi-account banking, cards, and cash-flow clarity.

  9. 7

    Rho

    For businessesCard issuer
    80/100
    8478767581858677

    Built for: Startups and growing companies incorporated in the US that want banking and corporate cards without fees inside one account, with a person available to help at any hour.

  10. 7

    Tide

    For businessesCard issuerHolds client money
    80/100
    8476827882788874

    Built for: UK sole traders and small companies that want a free or low-cost account with invoicing and accounting built in.

  11. 11

    Melio

    PaymentsFor businesses
    79/100
    8276788078788478

    Built for: US small businesses and bookkeepers that want low-cost bill pay by ACH, card, or check with accounting sync.

  12. 11

    Pleo

    Card issuerHolds client moneyFor businesses
    79/100
    7084848080788472

    Built for: European teams of up to a few hundred people that want cards, expenses, and invoices in one tool at published per-user prices.

  13. 13

    Alaan

    For businessesPayments
    78/100
    8082807680728072

    Built for: UAE and Saudi finance teams that want cards, receipt automation, and a local business account.

  14. 13

    Expensify

    For businessesPublic company
    78/100
    6280868682747874

    Built for: Small and mid-sized businesses that want receipt scanning, reimbursements, and a cash-back card.

  15. 13

    Juni

    For businessesCard issuerHolds client money
    78/100
    8486827880767472

    Built for: European ecommerce or online-marketing companies that want multi-currency accounts, cards, and invoice credit.

  16. 16

    Cledara

    PaymentsFor businesses
    77/100
    6682788076768672

    Built for: Finance and IT teams at growing companies with many software subscriptions.

  17. 16

    Increase

    For businessesHolds client moneyPayments
    77/100
    8878848086725574

    Built for: Fintechs and software platforms that want programmatic US banking rails, accounts, and cards.

  18. 16

    Moss

    Card issuerHolds client moneyFor businesses
    77/100
    7284848280746672

    Built for: Growing European companies that want cards, invoices and expenses in one finance tool.

  19. 16

    Novo

    For businessesHolds client moneyPayments
    77/100
    7872778074768278

    Built for: US small businesses and freelancers that want free checking with invoicing, payments, and integrations.

  20. 16

    Plooto

    PaymentsFor businesses
    77/100
    8064847876768674

    Built for: Small businesses and accounting firms that want bill payments, collections, and approvals with accounting sync.

  21. 21

    Rydoo

    For businesses
    76/100
    6070848078768274

    Built for: Multinational finance teams that need compliant expense claims and invoice automation.

  22. 21

    Synctera

    For businessesFor banksCard issuer
    76/100
    8482807880745870

    Built for: Fintechs and banks that want accounts, cards, and money movement through sponsor banks on one platform.

  23. 21

    Weel

    For businessesPayments
    76/100
    6282807274748678

    Built for: Australian and New Zealand businesses that want unlimited cards and accounting sync at a posted price.

  24. 24

    Lili

    For businessesHolds client money
    75/100
    7468826672788080

    Built for: Freelancers and small businesses that want checking with bookkeeping, tax buckets, and invoicing.

  25. 24

    Mooncard

    For businessesPayments
    75/100
    6284867680747068

    Built for: French and European finance teams that want a company card with automatic accounting entries.

  26. 24

    Pliant

    For businessesCard issuer
    75/100
    7084788080746470

    Built for: European companies with high monthly card spend that want credit cards, virtual cards and accounting sync in one product.

  27. 24

    Statrys

    Holds client moneyPaymentsFor businesses
    75/100
    8070746874768474

    Built for: Small trading and services companies set up in Hong Kong or Singapore.

  28. 28

    Countingup

    For businesses
    74/100
    7266846474788274

    Built for: UK sole traders and small limited companies that keep their own books.

  29. 28

    Spendesk

    For businessesPayments
    74/100
    7284828082765266

    Built for: European mid-market finance teams that want cards, expenses, and invoices in one platform.

  30. 28

    Volopay

    For businessesPayments
    74/100
    8080767476706668

    Built for: Asia Pacific businesses that want cards, a multi-currency account, and bill payments in one platform.

  31. 31

    Jeeves

    For businessesPayments
    73/100
    8280706882726268

    Built for: Multinational finance teams that want cards and cross-border payments, especially in Latin America.

  32. 31

    Procurify

    For businesses
    73/100
    6072848484785270

    Built for: Mid-market finance and operations teams that want purchase approvals and bills in one system.

  33. 31

    Treasury Prime

    For businessesFor banks
    73/100
    8470768072745670

    Built for: Fintechs that want deposit accounts and money movement through a network of sponsor banks.

  34. 31

    Weavr

    For businessesCard issuerPayments
    73/100
    7680687276746470

    Built for: UK and EU B2B software platforms that want to embed business accounts and cards without a license of their own.

  35. 35

    Spenda

    PaymentsFor businessesPublic company
    62/100
    6855727064604558

    Built for: Australian SMEs and franchise networks that want accounts payable and receivable software tied to payments.

Each cell is one criterion scored out of 100: first the four criteria for this sector, then product depth, onboarding and support, pricing transparency, and contract terms. Hover or tap a cell for its name; the review page explains every score. The sector has 35 companies.